Do I Have to Use the Insurance Company’s Repair Shop?

After a car accident, your insurance company might point you to one of their “preferred” repair shops. Sometimes they even make it sound like you have to use them. But here’s the truth: in most cases, you have the right to choose where your car gets fixed.

The catch? Choosing the wrong path could affect your claim, your repair quality, and even your wallet. Let’s break it down.

1. What Is a Preferred Repair Shop?

Insurance companies often partner with certain shops through Direct Repair Programs (DRPs). These shops agree to:

• Work directly with the insurer on billing.

• Meet specific pricing guidelines.

• Sometimes guarantee repairs for as long as you own the car.

The upside: less paperwork and often faster processing.

2. Do You Have to Use Them?

In most states: No. You’re free to choose your own repair shop. Insurance companies cannot legally force you to use theirs.

However, if you pick your own shop:

• You may have to handle billing directly.

• Repairs might not come with the same warranty.

• You could face more back-and-forth with the insurer.

3. Pros and Cons of Using a Preferred Shop

Pros:

• Convenience (direct billing, faster approvals).

• Potential warranty on repairs.

• Smoother claims process.

Cons:

• Shops may prioritize insurer’s cost-cutting over repair quality.

• Parts used may be cheaper aftermarket instead of OEM.

• Less control over who touches your car.

4. Pros and Cons of Choosing Your Own Shop

Pros:

• Freedom to select a mechanic you trust.

• Ability to insist on OEM (original manufacturer) parts.

• Greater control over repair decisions.

Cons:

• Possible out-of-pocket costs if insurer disputes charges.

• More hassle with paperwork and approvals.

• No guarantee of faster turnaround.

5. The Best Move for Most Drivers

If you trust the shop your insurer recommends, it can be a hassle-free option. But if you’re picky about parts, quality, or your mechanic, you have the legal right to choose your own. Just know you may need to advocate for yourself more.

The Bottom Line

You don’t have to let the insurance company decide where your car gets fixed. The choice is yours — but knowing the trade-offs will help you make the decision that’s right for you.

👉 If you’ve been in a car accident and need help navigating repairs and insurance, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Repair rights vary by state and policy. Always consult with a qualified professional and review your policy before making repair decisions.